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Borrowing for practically any purpose with a personal loan.

Whether you need financing for unexpected bills, purchases, or that getaway vacation, at First Heritage Federal Credit Union, we’ve got you covered with our personal loans. Our value of “Our Family Helping Yours” is reflected through this service since First Heritage Federal Credit Union is here to help you and your family in a time of need. We realize that everyone has a different financial story, so we provide options that allow you to find the best solution for your financial needs.

Our personal loan options offer endless uses to help save you money. Use them to consolidate high-interest credit card debt, pay off unexpected bills, pay for special life events like a wedding or honeymoon, or even make large purchases and home improvements such as those kitchen appliances you've had your eye on.

Plus, managing your loan is easy with our online banking option. Get quick, complete online access to your accounts to pay your bills and loans faster and easier! Our online banking is great for students, travelers, or anyone who is frequently on-the-go and can’t make it into a branch. Access your account via computer, phone or smartphone at any time!

personal loan:
A fixed personal loan allows you to borrow a lump sum of money at a fixed interest rate and term. Our calculator can also help you determine how much you can comfortably borrow, and the term that will work best for you!

Personal Line of Credit:
A personal line of credit will allow you to borrow money as you need it.
  • Obtain a line of credit up to $15,000
  • Competitive low variable rate; prime +3%
  • Debt Protection available
  • Easy access to funds by calling any branch for an advance
Share Secured Loans:
Building or establishing your credit history? This type of personal loan can help! You’ll be able to use the funds you have in your Share Certificate account to apply.
  • Prime rate plus -0.50%
  • Floor 3% APR* - Ceiling 17% APR*
  • Terms up to 180 months
  • Debt Protection available
  • Share certificate continues to earn dividends

Interested in taking out a personal loan? Apply now with our easy online application process!


We offer personal loan borrowing options for our members near Painted Post, Addison, Corning, Elmira Heights, Southport, Hornell & Horseheads in NY and Mansfield & Wellsboro in PA. Learn more about our borrowing options by contacting us!

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate.
This credit union is federally insured by the National Credit Union Administration.
*APR = Annual Percentage Rate
Prime rate is as published in the Wall Street Journal.